Call reports 2016
ANDROSCOGGIN SAVINGS BANK — 2016
What ANDROSCOGGIN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 856,387,000 | 880,964,000 | 921,807,000 | 901,857,000 |
| Total loans | 695,435,000 | 722,051,000 | 752,135,000 | 742,700,000 |
| Allowance for loan losses | 7,564,000 | 7,782,000 | 7,626,000 | 7,790,000 |
| Securities available for sale | 85,421,000 | 82,542,000 | 74,867,000 | 68,036,000 |
| Securities held to maturity | 9,500,000 | 9,363,000 | 9,117,000 | 9,024,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 688,568,000 | 694,364,000 | 733,917,000 | 718,994,000 |
| Interest-bearing deposits | 599,595,000 | 602,433,000 | 631,461,000 | 615,449,000 |
| Noninterest-bearing deposits | 88,973,000 | 91,931,000 | 102,456,000 | 103,545,000 |
| Equity capital | 97,851,000 | 99,844,000 | 101,052,000 | 101,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,996,000 | 16,158,000 | 24,516,000 | 32,903,000 |
| Interest expense | 1,070,000 | 2,103,000 | 3,203,000 | 4,336,000 |
| Net interest income | 6,926,000 | 14,055,000 | 21,313,000 | 28,567,000 |
| Noninterest income | 899,000 | 1,912,000 | 2,631,000 | 3,777,000 |
| Noninterest expense | 5,932,000 | 11,935,000 | 18,060,000 | 24,529,000 |
| Provision for loan losses | 299,000 | 500,000 | 479,000 | 633,000 |
| Pretax income | 1,656,000 | 3,518,000 | 5,682,000 | 7,645,000 |
| Income tax | 395,000 | 746,000 | 1,314,000 | 1,853,000 |
| Net income | 1,270,000 | 2,768,000 | 4,335,000 | 5,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,628,000 | 95,132,000 | 96,699,000 | 98,128,000 |
| Total capital | 102,239,000 | 104,088,000 | 105,419,000 | 106,895,000 |
| Risk-weighted assets | 686,083,000 | 714,321,000 | 741,840,000 | 728,403,000 |